1. there are two main reasons for adopting the method of "paying back the loan once a year". First of all, this is to spread the repayment pressure of borrowers. The repayment pressure can be dispersed to three years, making the borrower's annual repayment amount more reasonable.

2. Secondly, by adopting the method of "one loan per year", the borrower can repay the loan principal as soon as possible, thus reducing the interest expenses of the borrower during the loan period.